<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31,
1998 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-1998 DEC-31-1997
<PERIOD-START> JAN-01-1998 JAN-01-1997
<PERIOD-END> MAR-31-1998 MAR-31-1997
<CASH> 11385 12216
<INT-BEARING-DEPOSITS> 2405 2000
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 55432 48050
<INVESTMENTS-CARRYING> 49344 54065
<INVESTMENTS-MARKET> 0 0
<LOANS> 379782 348735
<ALLOWANCE> (3343) 3589
<TOTAL-ASSETS> 518182 481205
<DEPOSITS> 427009 422832
<SHORT-TERM> 47760 20333
<LIABILITIES-OTHER> 3455 2546
<LONG-TERM> 0 0
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 48 49
<COMMON> 2393 2373
<OTHER-SE> 37517 33072
<TOTAL-LIABILITIES-AND-EQUITY> 518182 481205
<INTEREST-LOAN> 7927 7447
<INTEREST-INVEST> 1610 1628
<INTEREST-OTHER> 110 37
<INTEREST-TOTAL> 9647 9112
<INTEREST-DEPOSIT> 3879 3701
<INTEREST-EXPENSE> 4591 4046
<INTEREST-INCOME-NET> 5056 5066
<LOAN-LOSSES> 360 373
<SECURITIES-GAINS> 0 30
<EXPENSE-OTHER> 3596 3429
<INCOME-PRETAX> 1915 1988
<INCOME-PRE-EXTRAORDINARY> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 1218 1229
<EPS-PRIMARY> .47 .48
<EPS-DILUTED> .45 .47
<YIELD-ACTUAL> 0 0
<LOANS-NON> 0 0
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 0 0
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<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0